{"id":6280,"date":"2024-09-19T21:17:03","date_gmt":"2024-09-19T21:17:03","guid":{"rendered":"https:\/\/victoriafurtuna.md\/?page_id=6280"},"modified":"2025-04-04T21:19:17","modified_gmt":"2025-04-04T21:19:17","slug":"pensia-mostenita","status":"publish","type":"page","link":"https:\/\/victoriafurtuna.md\/md\/pensia-mostenita\/","title":{"rendered":"Pensia mo\u015ftenit\u0103"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6280\" class=\"elementor elementor-6280\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ae0b95 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ae0b95\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a607696\" data-id=\"a607696\" 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href='https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-1.png'><img fetchpriority=\"high\" decoding=\"async\" width=\"1654\" height=\"2339\" src=\"https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-1.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-1.png 1654w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-1-212x300.png 212w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-1-724x1024.png 724w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-1-768x1086.png 768w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-1-1086x1536.png 1086w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-1-1448x2048.png 1448w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-1-8x12.png 8w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-1-600x848.png 600w\" sizes=\"(max-width: 1654px) 100vw, 1654px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"101dd80\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Njk1MiwidXJsIjoiaHR0cHM6XC9cL3ZpY3RvcmlhZnVydHVuYS5tZFwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNFwvMDlcL3BlbnNpYS0yLnBuZyIsInNsaWRlc2hvdyI6IjEwMWRkODAifQ%3D%3D\" href='https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-2.png'><img decoding=\"async\" width=\"1654\" height=\"2339\" src=\"https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-2.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-2.png 1654w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-2-212x300.png 212w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-2-724x1024.png 724w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-2-768x1086.png 768w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-2-1086x1536.png 1086w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-2-1448x2048.png 1448w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-2-8x12.png 8w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-2-600x848.png 600w\" sizes=\"(max-width: 1654px) 100vw, 1654px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"101dd80\" 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https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-3-1448x2048.png 1448w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-3-8x12.png 8w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-3-600x848.png 600w\" sizes=\"(max-width: 1654px) 100vw, 1654px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon portrait'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"101dd80\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Njk1NCwidXJsIjoiaHR0cHM6XC9cL3ZpY3RvcmlhZnVydHVuYS5tZFwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNFwvMDlcL3BlbnNpYS00LnBuZyIsInNsaWRlc2hvdyI6IjEwMWRkODAifQ%3D%3D\" href='https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-4.png'><img loading=\"lazy\" decoding=\"async\" width=\"1654\" height=\"2339\" src=\"https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-4.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-4.png 1654w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-4-212x300.png 212w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-4-724x1024.png 724w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-4-768x1086.png 768w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-4-1086x1536.png 1086w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-4-1448x2048.png 1448w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-4-8x12.png 8w, https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia-4-600x848.png 600w\" sizes=\"(max-width: 1654px) 100vw, 1654px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44c7d4e elementor-widget elementor-widget-elementskit-accordion\" data-id=\"44c7d4e\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a1ffa53ad62d\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-44c7d4e\">\n                        <a href=\"#collapse-4a447966a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4a447966a1ffa53ad62d\" aria-expanded=\"true\" aria-controls=\"Collapse-4a447966a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">1. Cum va lucra sistemul nou?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4a447966a1ffa53ad62d\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Fiecare om va avea 2 conturi bancare, \u00een unul vor veni banii pentru salarii, iar altul va acumula timp de 40 de ani banii pentru pensii. \u00cen fiecare zi omul va \u0219ti c\u00e2\u021bi bani are acumula\u021bi la pensie. Dar deoarece sunt bani pu\u0219i lunar cu \u00eemprumut timp de 40 de ani, atunci se acumuleaz\u0103 procentul pentru utilizare a lor \u0219i calculele arat\u0103 c\u0103 pot s\u0103 se tripleze suma depozitelor \u00een aceast\u0103 perioad\u0103.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-44c7d4e\">\n                        <a href=\"#collapse-1fe37426a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1fe37426a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-1fe37426a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">2. Care este necesitatea acestei reforme?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1fe37426a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Oamenii \u00eemprumut\u0103 sistemul actual de pensionare timp de 40 de ani, iar \u00een final b\u0103rba\u021bii beneficiaz\u0103 \u00een medie circa 2 ani de rambursarea banilor. Iar urma\u0219ii nu au acces la ace\u0219ti bani. Este mult mai rentabil s\u0103 pui ace\u0219ti bani pe un cont separat \u0219i la b\u0103tr\u00e2ne\u021be ai destui bani pentru o via\u021b\u0103 lini\u0219tit\u0103.<\/p><p>Aceast\u0103 reform\u0103 face dreptate \u00een sistem - fiecare beneficiaz\u0103 de to\u021bi banii pe care i-au \u00eemprumutat \u0219i se adaug\u0103 procente la aceste rezerve.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-44c7d4e\">\n                        <a href=\"#collapse-0a242cb6a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-0a242cb6a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-0a242cb6a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">3. Cine vor fi beneficiarii acestei reforme?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-0a242cb6a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>To\u021bi 100% din popula\u021bia Republicii Moldova. Cu a\u0219a sistem, fiecare se va sim\u021bi \u00een siguran\u021b\u0103 c\u0103 \u00eei vor ajunge bani pentru a cump\u0103ra cadouri la nepo\u021bi \u0219i la dorin\u021b\u0103 s\u0103 viziteze oricare dintre sanatorii sau s\u0103 c\u0103l\u0103toreasc\u0103.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-44c7d4e\">\n                        <a href=\"#collapse-c8cb4986a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c8cb4986a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-c8cb4986a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">4. Cine gestioneaz\u0103 procesul?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c8cb4986a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Este o banc\u0103 investi\u021bional\u0103 subordonat\u0103 Ministerului Protec\u021biei Sociale, dar din ace\u0219ti bani acumula\u021bi nu va fi posibil de utilizat \u00een alte scopuri ale Ministerului. Banii vor fi investi\u021bi \u00een proiecte cu grad redus de risc, precum construc\u021bia de porturi, construc\u021bia re\u021belelor electrice, transport public, distribu\u021bia de ap\u0103 \u0219i altele. Ace\u0219ti bani vor aduce profit, care va fi distribuit spre cei care de\u021bin conturi de pensie. Asta duce la cre\u0219terea volumului investi\u021biilor. Sunt depozite pe termen lung \u0219i respectiv este posibil de f\u0103cut \u0219i investi\u021bii pe termen lung \u00een infrastructur\u0103.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-44c7d4e\">\n                        <a href=\"#collapse-7db002a6a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7db002a6a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-7db002a6a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">5. Are Moldova speciali\u0219ti pentru a face aceast\u0103 reform\u0103?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7db002a6a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Oricare nou sistem poate fi \u00eenv\u0103\u021bat, mai ales c\u0103 el lucreaz\u0103 practic \u00een toate \u021b\u0103rile dezvoltate de pe glob. Majoritatea proceselor actuale se vor transmite spre noul sistem \u00een materie de gestiunea bazelor de date, iar unele procese sunt preluate din sectorul bancar. Deci avem de educat c\u00e2\u021biva oameni care pot gestiona conectarea acestora.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-44c7d4e\">\n                        <a href=\"#collapse-b6409346a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b6409346a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-b6409346a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">6. Cum are loc tranzi\u021bia de la sistemul acesta la cel nou?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b6409346a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Chiar dac\u0103 CNAS trebuie s\u0103 fie autonom, el este subven\u021bionat anual cu circa 18 miliarde de lei anual de la Bugetul de Stat. Impozitele oamenilor merg spre pensii \u0219i asta nu poate dura mult.<\/p><p>Tranzi\u021bia \u00eenseamn\u0103 \u00een primul r\u00e2nd separarea responsabilit\u0103\u021bilor CNAS, unde aloca\u021biile sociale sunt separat \u0219i pensiile sunt separat. Aceast\u0103 banc\u0103 a statului se va ocupa exclusiv de pensii. \u0218i va contabiliza cre\u0219terea pensiilor la cei care contribuie - astfel se exclude posibilitatea ca cineva s\u0103 tr\u0103iasc\u0103 pe baza contribu\u021biilor altor oameni, ca \u00een ziua de azi.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-44c7d4e\">\n                        <a href=\"#collapse-98d54b06a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-98d54b06a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-98d54b06a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">7. Unde este garan\u021bia c\u0103 nu va falimenta sistemul propus?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-98d54b06a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Dar nici Banca Na\u021bional\u0103 nu falimenteaz\u0103 \u0219i anual \u00ee\u0219i cre\u0219te rezervele, acum sunt circa 5 miliarde de dolari. Se face un sistem similar de atribu\u021bii \u0219i investi\u021bii, respectiv se exclud creditele neperformante. Iar banca trece prin procedura de asigurare \u0219i reasigurare.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-44c7d4e\">\n                        <a href=\"#collapse-f00cb726a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-f00cb726a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-f00cb726a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">8. De unde \u0219tim c\u0103 nu vor fi fura\u021bi banii?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-f00cb726a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Procedura de asigurare \u0219i reasigurare implic\u0103 \u0219i deschiderea unor depozite (active scumpe puse drept gaj) \u0219i acestea compenseaz\u0103 toate erorile \u0219i riscurile. \u00cen plus sistemul de analiz\u0103 investi\u021bional\u0103 a BNM tot garanteaz\u0103 riscuri minime de pierdere a banilor.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-44c7d4e\">\n                        <a href=\"#collapse-eb750a66a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-eb750a66a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-eb750a66a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">9. Cei care cap\u0103t\u0103 pensii acum - pot fi cazuri s\u0103 fie pensia mai mic\u0103 dup\u0103 schimbarea sistemului?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-eb750a66a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Exclus, persoanele care sunt beneficiare de pensii vor avea acces la toate resursele acumulate \u0219i asta reprezint\u0103 mult mai mult dec\u00e2t reprezint\u0103 o pensie. Da, statul va avea o incomoditate \u00een prima perioad\u0103, deoarece dintr-o zi X va fi pozibil de mo\u0219tenit pensia, respectiv acel recalcul al activului persoanei decedate va fi necesar a fi transmis \u00een 14 zile c\u0103tre urma\u0219i. \u00cens\u0103 dac\u0103 privim statistica acumul\u0103rilor medii, statistica ie\u0219irii la pensie - atunci \u00een\u021belegem c\u0103 sunt sume pe care le poate asuma acele aloca\u021bii de 18 miliarde de lei, care fac economii conexe pe seama celor care nu contribuie acum.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-44c7d4e\">\n                        <a href=\"#collapse-bab19e56a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bab19e56a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-bab19e56a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">10. Care este ra\u021bionamentul economic al statului s\u0103 treac\u0103 la acest sistem?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bab19e56a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>A. Statul \u00een primul r\u00e2nd nu mai are un set de cheltuieli pentru a asigura pensie \u00een viitor la persoanele care nu doresc s\u0103 contribuie acum. B. Apare un Fond de Pensii investi\u021bional care va dezvolta economia cu zeci de miliarde de lei anual, asta \u00eenseamn\u0103 zeci de mii de locuri de munc\u0103 \u0219i multe produse made in Moldova. C. Se face dreptate - fiecare ia \u00eenapoi ceea ce a contribuit \u0219i nu st\u0103 cineva \u00een minister \u0219i inventeaz\u0103 formule ca s\u0103 dea mai pu\u021bini bani sau majoreaz\u0103 v\u00e2rsta de pensionare pentru a nu da \u00een general banii \u00eenapoi.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-10-44c7d4e\">\n                        <a href=\"#collapse-1a8f93e6a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1a8f93e6a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-1a8f93e6a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">11. De unde se vor lua bani pentru a trece?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1a8f93e6a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-10-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Prima perioad\u0103 se vor folosi subven\u021biile existente de la Bugetul de Stat, \u00eens\u0103 el anual va sc\u0103dea, deoarece se va exclude sus\u021binerea celor care nu doresc s\u0103 contribuie la Fondul de Pensionare. Cu alte cuvinte - cel care lucreaz\u0103 la negru azi - nu va avea pensie m\u00e2ine. Autonomia Fondului Nou de Pensionare va fi garantat\u0103 de majorarea num\u0103rului de contribuabili, acum avem 41% de angaja\u021bi legal \u0219i vom ajunge la peste 70%. Odat\u0103 cu majorarea num\u0103rului de angaja\u021bi legal automat scade num\u0103rul de aloca\u021bii existente, oamenii vor prefera s\u0103 lucreze cinstit. Noi vorbim de miliarde de lei acum.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-11-44c7d4e\">\n                        <a href=\"#collapse-8a9c5266a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-8a9c5266a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-8a9c5266a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">12. Ce probleme aferente se mai rezolv\u0103?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-8a9c5266a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-11-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Dispar salariile \u00een plic, deoarece angajatul simte c\u0103 pierde banii s\u0103i \u0219i nu mai accept t\u00e2rgul cu angajatorul. Zilnic omul poate verifica c\u00e2\u021bi bani are la pensie \u0219i care este dob\u00e2nda crescut\u0103 la banii s\u0103i, pe al\u021bii el nu \u00eei va putea cere de la stat la pensionare. \u00cen Singapore a dat rezultate impresionante.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-12-44c7d4e\">\n                        <a href=\"#collapse-39678996a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-39678996a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-39678996a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">13. De unde se \u00eencep schimb\u0103rile?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-39678996a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-12-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>De la schimbarea sistemului de pensionare, iar pentru asta avem nevoie s\u0103 acumul\u0103m 350 000 de semn\u0103turi pentru a convinge Guvernul acest proiect este a\u0219teptat de oameni \u0219i ei sunt gata s\u0103 lucreze cinstit \u0219i s\u0103 beneficieze de contribu\u021biile lor \u00een valoare integral\u0103.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-13-44c7d4e\">\n                        <a href=\"#collapse-9fba6626a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9fba6626a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-9fba6626a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">14. Ce facem cu p\u0103turile social nevoia\u0219e?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9fba6626a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-13-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Aici este important s\u0103 facem diferen\u021bierea, aceste persoane \u00een continuare vor fi sus\u021binute de c\u0103tre stat. A avut loc divizarea aloca\u021biilor de pensii - unde aloca\u021biile sunt pe seama statului, iar pensiile este responsabilitate personal\u0103 s\u0103 contribui pentru b\u0103tr\u00e2ne\u021bea ta. Cei nevoia\u0219i vor avea aloca\u021biile lor de la CNAS, va sc\u0103dea \u00een timp doar subven\u021bia statului spre sistemul de pensionare, deoarece \u00een timp el ramburseaz\u0103 acele \u00eemprumuturi vechi de 40 de ani.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-14-44c7d4e\">\n                        <a href=\"#collapse-34ed3306a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-34ed3306a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-34ed3306a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">15. Ce facem cu cei care nu au contribuit sau nu doresc s\u0103 contribuie?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-34ed3306a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-14-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Ei vor fi nevoi\u021bi s\u0103 accepte ofertele de munc\u0103 existente pe pia\u021b\u0103 pentru diferite servicii publice sau private, deoarece nu este corect ca cei care nu doresc s\u0103 lucreze s\u0103 fie \u00eentre\u021binu\u021bi cin acumul\u0103rile de pensii str\u0103ine. Experien\u021ba arat\u0103 c\u0103 a\u0219a rezisten\u021b\u0103 a popula\u021biei nu dureaz\u0103 mai mult de 20-30 de zile. Oamenii vor accepta s\u0103 lucreze legal.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-15-44c7d4e\">\n                        <a href=\"#collapse-85717896a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-85717896a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-85717896a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">16. Ce facem cu invalizii \u0219i persoanele cu nevoi speciale?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-85717896a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-15-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Ei r\u0103m\u00e2n \u00een tutela CNAS \u0219i vor fi subven\u021biona\u021bi de stat. Astfel de oameni au un alt statut pe care Bugetul de Stat le garanteaz\u0103 surse de supravie\u021buire.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-16-44c7d4e\">\n                        <a href=\"#collapse-2d9e6236a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-2d9e6236a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-2d9e6236a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">17. Cine va mo\u0219teni pensia?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-2d9e6236a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-16-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>\u00cen formularul de aplicare, fiecare de\u021bin\u0103tor de cont de pensie indic\u0103 nominal persoanele care \u00eei va mo\u0219teni pensia. Chiar din ziua angaj\u0103rii la munc\u0103 se indic\u0103 cine va mo\u0219teni pensia \u0219i este posibil de ad\u0103ugat persoane. Dar odat\u0103 cu prezentarea certificatului de deces are loc transferul timp de 14 zile. C\u00eend erau ambii bunici vii lor le ajungeau bani pentru servicii comunale, dar dac\u0103 unul decedeaz\u0103, \u00een situa\u021bia zilei de azi - atunci cu 1 singur\u0103 pensie nu poti onora achitarea facturilor. Acest model rezolv\u0103 problema.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-17-44c7d4e\">\n                        <a href=\"#collapse-982fb1f6a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-982fb1f6a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-982fb1f6a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">18. Sunt preg\u0103ti\u021bi moldovenii de a\u0219a model?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-982fb1f6a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-17-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Moldova a acceptat ca banii lor s\u0103 fie \u00een banc\u0103 - deci sunt preg\u0103ti\u021bi, Moldova a acceptat lunar s\u0103 transfere statului o sum\u0103 din salariu - deci sunt preg\u0103ti\u021bi. \u00cen rest, doar sunt ni\u0219te beneficii \u0219i unele garan\u021bii asumate.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-18-44c7d4e\">\n                        <a href=\"#collapse-44b263e6a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-44b263e6a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-44b263e6a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">19. Este garan\u021bia c\u0103 cineva din rude nu va fura banii dup\u0103 ob\u021binerea sumei totale a pensiilor?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-44b263e6a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-18-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Exact acela\u0219i lucru se poate \u00eent\u00e2mpla \u0219i azi cu banii depu\u0219i la banc\u0103 sau cu actele de proprietate asupra imobilului. Dar partea bun\u0103 c\u0103 se poate de limitat eliberarea sumelor la banc\u0103 \u0219i \u00een plus banii sco\u0219i la pensie tot pot deveni depozit din nou care aduce dob\u00e2nd\u0103.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-19-44c7d4e\">\n                        <a href=\"#collapse-3cd223d6a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3cd223d6a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-3cd223d6a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">20. Cum se calculeaz\u0103 dob\u00e2nda?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3cd223d6a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-19-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>\u00cen func\u021bie de portofoliul investi\u021bional se face o medie. Va fi o sum\u0103 medie de la diferite categorii de investi\u021bii - ac\u021biuni la \u00eentreprinderi, credite acordate Bugetului de Stat, cre\u0219terea de capital a metalelor scumpe \u00een care s-a investit, dividende, obliga\u021biuni, contracte futures \u0219i op\u021bioane.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-20-44c7d4e\">\n                        <a href=\"#collapse-926f1e06a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-926f1e06a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-926f1e06a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">21. De unde se iau bani pentru a pl\u0103ti dob\u00e2nda?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-926f1e06a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-20-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Investi\u021biile acestei b\u0103nci \u00een diferite categorii de active cu risc redus, inclusiv creditele ipotecare, care sunt printre cele mai sigure.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-21-44c7d4e\">\n                        <a href=\"#collapse-dcd563d6a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-dcd563d6a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-dcd563d6a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">22. C\u00e2\u021bi bani ar lua aceast\u0103 reform\u0103?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-dcd563d6a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-21-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Tranzi\u021bia procesului ne garanteaz\u0103 c\u0103 subven\u021bia de 18 miliarde de lei va fi ultima cifr\u0103 maxim\u0103 din istorie. \u00cen fiecare an vor sc\u0103dea subven\u021biile pe motiv c\u0103 scade num\u0103rul de persoane la care statul este dator la \u00eemprumuturile vechi (ei sunt transfera\u021bi la Fondul de Pensionare). Dar totodat\u0103 scad \u0219i alte categorii de cheltuieli pentru unele persoane \u00eentre\u021binute de CNAS, cei care se vor angaja oficial.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-22-44c7d4e\">\n                        <a href=\"#collapse-11248c56a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-11248c56a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-11248c56a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">23. C\u00e2t timp ar dura aceast\u0103 reform\u0103? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-11248c56a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-22-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Va dura minim 15 ani trecerea definitiv\u0103, dar o mare parte a costurilor de tranzi\u021bie vor fi asumate de rentabilitatea investi\u021biilor Fondului de Investi\u021bii. Cheltuielile Bugetare vor fi diminuate. Dar \u00een schimb apare o nou\u0103 structur\u0103 foarte bogat\u0103 specializat\u0103 doar \u00een investi\u021bii \u0219i asta spore\u0219te cre\u0219terea economic\u0103.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-23-44c7d4e\">\n                        <a href=\"#collapse-1568fd66a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1568fd66a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-1568fd66a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">24. Ce facem cu cei care au contribuit la stat \u0219i acum vor s\u0103 treac\u0103 \u00een noul sistem.<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1568fd66a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-23-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Ei vor fi trecu\u021bi automat, se va transfera \u0219i informa\u021bia privitor la structura \u00eencas\u0103rilor pentru fiecare lun\u0103 \u0219i an. Banii pe care statul este dator omului, vor fi transfera\u021bi c\u0103tre fond. Pensia lui va cre\u0219te, deoarece suma acumulat\u0103 \u0219i contribu\u021biile noi vor ob\u021bine dob\u00e2nd\u0103 bancar\u0103.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-24-44c7d4e\">\n                        <a href=\"#collapse-35df9906a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-35df9906a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-35df9906a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">25. La v\u00e2rsta de pensionare cum se gestioneaz\u0103 pensia - c\u00e2t se acord\u0103 pe lun\u0103?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-35df9906a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-24-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Omul are acces la suma integral\u0103 acumulat\u0103, unii vor avea 1 milion de lei, al\u021bii 500 000 de lei, al\u021bii vor avea 4 milioane de lei. Fiecare va avea ce a contribuit legal \u0219i procentele acumulate.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-25-44c7d4e\">\n                        <a href=\"#collapse-b80ae0a6a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-b80ae0a6a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-b80ae0a6a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">26. Statul cum controleaz\u0103 procesul?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-b80ae0a6a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-25-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Statul este fondator \u0219i este \u00een consiliul de administrare \u0219i nu va admite tranzac\u021bii dubioase. Dar exist\u0103 \u0219i al\u021bi membri \u00een consiliu, printre companiile de asigurare \u0219i reasigurare, care risc\u0103 cu banii proprii \u00een caz de dispari\u021bie a banilor \u0219i ei compenseaz\u0103. Este un sistem similar cu cel din Banca na\u021bional\u0103, unde nu pot disp\u0103rea banii.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-26-44c7d4e\">\n                        <a href=\"#collapse-5b90b1b6a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-5b90b1b6a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-5b90b1b6a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">27. Ce alte modalit\u0103\u021bi de a crea pensiile sunt?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-5b90b1b6a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-26-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Sunt mai multe categorii de pensii - publice, private \u0219i mixte. Noi am ales modelul care i-ar lini\u0219ti pe moldoveni, deoarece este testat de prin anii 1970 \u00een Singapore, c\u00e2nd statul s-a deta\u0219at de subiectul pensiilor \u0219i nimeni nu mai cere de la Guvern \u0219i Ministru o pensie mai mare. Nu mai exist\u0103 pensii similare, fiecare are banii lui \u0219i sunt sume diferite.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-27-44c7d4e\">\n                        <a href=\"#collapse-1b26ba26a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1b26ba26a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-1b26ba26a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">28. Omul poate accesa ace\u0219ti bani \u00eenainte de a ajunge la v\u00eersta de pensionare? <\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1b26ba26a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-27-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Da, dar \u00eentr-o form\u0103 modificat\u0103, \u00een cazul \u00een care o familie t\u00e2n\u0103r\u0103 de 30 de ani dore\u0219te s\u0103 cumpere o cas\u0103 - ei pot pune \u00een gaj la banc\u0103 acele acumul\u0103ri la pensie p\u00e2n\u0103 \u00een acea zi \u0219i s\u0103 ia o ipotec\u0103. Restul garanteaz\u0103 cu imobilul procurat. Este valabil \u0219i cu serviciile medicale urgente contra cost.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-28-44c7d4e\">\n                        <a href=\"#collapse-1256e726a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1256e726a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-1256e726a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">29. Prin ce se deosebe\u0219te de sistemul actual?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1256e726a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-28-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Nu mai exist\u0103 un fond care acumuleaz\u0103 banii de la to\u021bi \u0219i dau sub coeficient la to\u021bi pensionarii. Acest model nou deschide milioane de conturi individuale de pensii \u0219i fiecare om are grij\u0103 de pensia sa.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-29-44c7d4e\">\n                        <a href=\"#collapse-a20cd776a1ffa53ad62d\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a20cd776a1ffa53ad62d\" aria-expanded=\"false\" aria-controls=\"Collapse-a20cd776a1ffa53ad62d\">\n                            \n                            <span class=\"ekit-accordion-title\">30. Ce facem dac\u0103 Guvernul nu vrea s\u0103 schimbe sistemul de pensionare?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-open icon-right icon icon-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n                                        <i aria-hidden=\"true\" class=\"icon-closed icon-right icon icon-minus\"><\/i>                                    <\/div>\n\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a20cd776a1ffa53ad62d\" class=\" collapse\" aria-labelledby=\"primaryHeading-29-44c7d4e\" data-parent=\"#accordion-6a1ffa53ad62d\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>El nu are de ales. Este unica modalitate civilizat\u0103 de a garanta o pensie normal\u0103 pentru cet\u0103\u021benii \u021b\u0103rii tale, unde lucreaz\u0103 \u00eempreun\u0103 pentru un scop nobil. Altfel va fi schimbat Guvernul pe cale democratic\u0103 \u0219i urm\u0103torul Guvern va face reforma. Restul se \u00eenva\u021b\u0103.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                        <\/div>\n    <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c20df0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c20df0d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1955bfa\" data-id=\"1955bfa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac6301b elementor-widget elementor-widget-elementskit-button\" data-id=\"ac6301b\" data-element_type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/victoriafurtuna.md\/wp-content\/uploads\/2024\/09\/pensia.pdf\" target=\"_blank\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tDescarc\u0103 PDF\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>1. Cum va lucra sistemul nou? Fiecare om va avea 2 conturi bancare, \u00een unul vor veni banii pentru salarii, iar altul va acumula timp de 40 de ani banii pentru pensii. \u00cen fiecare zi omul va \u0219ti c\u00e2\u021bi bani are acumula\u021bi la pensie. Dar deoarece sunt bani pu\u0219i lunar cu \u00eemprumut timp de 40 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6280","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pensia mo\u015ftenit\u0103 - Victoria Furtun\u0103<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/victoriafurtuna.md\/md\/pensia-mostenita\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pensia mo\u015ftenit\u0103 - Victoria Furtun\u0103\" \/>\n<meta property=\"og:description\" content=\"1. Cum va lucra sistemul nou? Fiecare om va avea 2 conturi bancare, \u00een unul vor veni banii pentru salarii, iar altul va acumula timp de 40 de ani banii pentru pensii. \u00cen fiecare zi omul va \u0219ti c\u00e2\u021bi bani are acumula\u021bi la pensie. 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Cum va lucra sistemul nou? Fiecare om va avea 2 conturi bancare, \u00een unul vor veni banii pentru salarii, iar altul va acumula timp de 40 de ani banii pentru pensii. \u00cen fiecare zi omul va \u0219ti c\u00e2\u021bi bani are acumula\u021bi la pensie. 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